Public liability is the term used to describe a claim where you have suffered an injury as a result of a third party.

For instance, you may trip and injure yourself on a broken pavement and be able to claim compensation from the third party, in this case the local council.

You may suffer an accident while on third party premises like a shop or a business, in which case you may be able to claim compensation from the shop or business owner, if the fault was not yours.

Accidents or injuries suffered in rented properties, schools and other public buildings also fall into this category.